Home Insurance in Benton, Pennsylvania
With a median home value of $168,400, Benton is 18% lower than the Columbia County median.
The typical home in Benton was built around 1956. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 57% of homes were built before 1960, about 18 points above Columbia County's 39%.
The housing stock in Benton is 67% single-family homes, 4% apartments in buildings with 5+ units and 21% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Benton, about 63% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Benton has an owner-occupancy rate of 43% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 51% of homes in Benton are primarily heated with fuel oil.
What's the biggest home insurance risk near Benton? FEMA's National Risk Index points to winter weather (Relatively Moderate) in Columbia County and Columbia County had 540 active NFIP flood policies as of September 2026. See the full Columbia County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Pennsylvania, the statewide average premium for a standard HO-3 homeowners policy is $1,217 per year (NAIC, 2023 data).
Key figures
| Median home value | $168,400 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 43% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Columbia County | 540 |
| Home insurance premium | $1,217 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)